Senior Corporate Underwriter

Benefits of working at Together26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidaysFree access to company holiday homesBuy & sell holidaysDiscretionary annual bonus plus an additional Shared Reward BonusMatched pension contributionHealth cash plan plus Private medical insuranceLife assurance and Critical illness coverTravel season ticket loans and Ride to work schemeFree local gym accessLocal bar / restaurant discounts–––––––––––––Company Description We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 900 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.  As a Senior Corporate Underwriter, you will work as part of our high performing Corporate Lending Team and be responsible for assessing, underwriting and managing complex corporate real estate transactions. Working closely with the Corporate Sales and Portfolio Teams, you will deliver appropriate lending solutions for new and existing Corporate Customers. The Corporate Lending Team collaborate with both direct customer and broker channels to achieve a commercially balanced sustainable solution, assessing the credit position and identifying the right option suitable to meet both the Customer and Together.You will be supported with case load by a highly trained team, incorporating a Corporate Case and Completion Manager, in addition to a Corporate Processing Executive.As a Senior Corporate Underwriter, we are looking for someone to: Evaluate and analyse credit and portfolio risk for both new and existing Customers with lending needs of £2m+Conduct detailed financial analysis, which include evaluation of financial statements, cash flows, market trends, and industry risksAssess the creditworthiness of high-value corporate clients, identifying key risks and mitigants in each loan proposalStructure complex loan facilities, ensuring terms and conditions are aligned with both the customer need and Together’s risk appetiteReview and approve credit proposals, ensuring they meet risk appetite and regulatory standardsLead underwriting discussions in credit committee meetings and to Senior Stakeholders, offering insights and recommendations based on in-depth financial evaluations EssentialExtensive experience in a lending environment either as Lending Director or Senior Underwriter, providing credit analysis, or risk management of complex real estate lendingAdvanced financial analysis capability — able to evaluate financial statements, cashflows, market trends, and industry risksExpert in structuring complex lending solutions aligned to customer needs and organisational ris...